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With its roots in ancient Roman times, the concept of life insurance found its way to the U.S. in the 1760s. Not offered to the working class until the 1870s, sales increased dramatically after the first World War. These days, approximately three in five Americans have some type of life insurance and another 34% are likely to buy it in the coming year. Coverage needs vary, based on personal ...

The law is full of cumbersome terms and complex principles that can seem intimidating to many people. Yet, these notions are at play in our daily lives, whether we realize it or not. Subrogation is one of those ideas that can be very useful to understand in the context of personal injury. The word “subrogation” means to stand in the place of another, particularly to substitute for another with ...

If you've been injured in an accident that was caused by another party, then you may find yourself in a very difficult situation. On the one hand, you may be suffering from injuries and loss of income as a result of your accident. On the other hand, you may have medical bills and other expenses piling up that you're not sure how to take care of. Been in a car accident? Report it to your insurance ...

According to the National Association of Insurance Commissioners , there are around 6,120 insurance companies in the U.S., offering dozens of different kinds of insurance. From the commonplace auto collision policy to the more obscure protection against mudslides, insurance is big business. One type fairly new to the marketplace, but for which demand is growing quickly, is cyber insurance. These ...

It’s been estimated that the average motorist will file a collision claim three or four times over the course of their driving career. Whether your overall number goes up or down, it’s highly likely that you will be involved in at least one car accident in your life. Each one stems from a unique combination of factors, such as time of day, weather, status of the road, driver behavior, condition of ...

Much like death and taxes, insurance is one of life's certainties. You have to have auto insurance to drive a car, homeowner’s insurance to buy a house and health insurance under the Affordable Care Act. You may choose to buy life insurance to assist your loved ones in the event of your death, disability insurance in case you cannot work for a period of time, or long-term care insurance as you ...

Insurance industry studies have concluded that one out of four Florida drivers is uninsured. Based on my firm's decades of experience in representing people that are injured in auto accidents, I would say that even more people are uninsured in South Florida. Just as important, most drivers do not carry enough liability insurance to compensate a victim of a car accident that is seriously injured. ...

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